{"id":21085,"date":"2024-08-10T10:49:43","date_gmt":"2024-08-10T09:49:43","guid":{"rendered":"http:\/\/www.finder.com\/uk\/?page_id=21085"},"modified":"2026-03-18T11:46:52","modified_gmt":"2026-03-18T11:46:52","slug":"student-bank-accounts","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts","title":{"rendered":"Compare student bank accounts"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/1 no-padding-bottom\"><h3 class=\"has-padding-bottom-x-small\">Expert analysis: Top student account deals<\/h3><\/div><div class=\"u-grid__col u-1\/6@s\"><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/secure.gravatar.com\/avatar\/34b989ab8b71f6a34795603b04c17694?s=200&amp;r=g&amp;d=mm\" alt=\"Kate Anderson\" loading=\"lazy\"><div class=\"has-padding-top-small text-x-small\"><em>Finder\u2019s editor for banking <a href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\">Kate Steere<\/a> shares her thoughts<\/em><\/div><\/div><div class=\"u-grid__col u-10\/12@s no-padding-bottom\">With A-levels over and the new university year approaching, we\u2019re starting to see some competitive deals from student accounts, with a number of banks offering incentives to encourage students to sign up. Whether you\u2019re after a cash bonus, a discount card or long-term account benefits, here\u2019s our roundup of what\u2019s on offer at the moment.<ul><li><strong>Santander<\/strong> is the only bank this year to offer a free 4-year 16-25 railcard with its student account, which gives you a third off rail fares in Great Britain. Account holders can also take advantage of cashback, vouchers, offers and prize draws through Santander\u2019s \u201cBoosts\u201d programme.<\/li><li><strong>NatWest &amp; RBS<\/strong> are offering \u00a385 cash and a free 4 year tastecard, with which you can get discounts on eating out and takeaways, as well as money off barista-made drinks at select coffee shops. <\/li><li><strong>Nationwide<\/strong> is offering \u00a3100 in cash, as well as \u00a3120 in Just Eat vouchers (a \u00a310 voucher every month for 12 months) and a \u00a340 Just Eat refer a friend bonus if 2 freshers open a FlexStudent account.<\/li><li><strong>Lloyds &amp; Halifax<\/strong> are offering \u00a3100 in cash, as well as a \u00a315 Deliveroo voucher for each month you make 20 or more qualifying debit transactions between November and April.<\/li><\/ul><\/div><\/div><\/div><\/article><h3 class=\"luna-sectionTitle has-padding-top-medium\" id=\"best\">Best student bank account for railcards<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-bcc35860f6d94e088c7a80e7f67645ee\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5f67bfda962ff.png\" width=\"140\" height=\"88\" alt=\"Santander Edge Student Current Account\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f67bfda962ff.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f67bfda962ff.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f67bfda962ff.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nSantander Edge Student Current Account<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div>\n\n<a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/santander123studentaccount-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--fluid%2Bhas-margin-top-xsmall%2Bhas-margin-bottom-xsmall%22%2C%22offer_id%22%3A%2217236%22%2C%22niche_code%22%3A%22UKFSA-CUR%22%2C%22product_id%22%3A%22bcc35860-f6d9-4e08-8c7a-80e7f67645ee%22%2C%22product_name%22%3A%22Santander%2BEdge%2BStudent%2BCurrent%2BAccount%22%2C%22provider_id%22%3A%2283cae5b3-dd0d-43c0-9732-d62cdaf18112%22%2C%22provider_name%22%3A%22Santander%22%2C%22post_id%22%3A%2221085%22%2C%22post_path%22%3A%22current-accounts%252Fstudent-bank-accounts%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A543031%2C%22name%22%3A%22ukfin_best_hero%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\">Go to site<\/a>\n    \n<a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\/santander-student-current-accounts\">Read review<\/a><\/div><div class=\"u-color--blue-700 weight-semi-bold u-rounded--sm has-margin-bottom-small\" style=\"font-size: 16px; padding: 0.425em 0.6em 0.5em 0.6em; line-height: 22px; background-color: rgb(240 247 255);\"><svg class=\"luna-icon refreshedMasthead__icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" preserveaspectratio=\"none\" viewbox=\"0 0 24 24\" style=\"height: 18px; width: 18px; margin-top: 2px;\"><path d=\"M0 0h24v24H0z\" fill=\"none\"><\/path><path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\" fill=\"#002ebf\"><\/path><\/svg> Free 16-25 Railcard for new customers.<\/div><p>Santander\u2019s student account remains an excellent value for students, especially those who need to catch trains a lot, such as those moving to the other side of the country. You get a four-year railcard with Santander, which gets you \u2153 off rail fares, a lifesaver when you need to go home for Christmas on a budget and need to buy a train ticket.\n\nIt also offers an interest-free overdraft up to \u00a31,500 for the first three years of your degree, which then increases if you stay on for longer.<\/p>\n\n\n\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Interest-free overdraft;<\/li><li>Free 16-25 railcard when you sign up.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>Not available to international or postgraduate students;<\/li><li>Account has a minimum funding requirement;<\/li><li>There are other student accounts with larger overdrafts.<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Minimum operating balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">Yes<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">2.95% <span class=\"table-popover\" rel=\"popover\" data-content=\"A currency fee of 2.95% applies to debit card transactions in a foreign currency outside the UK. \" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div>\n<a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/santander123studentaccount-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--fluid%2Bhas-margin-bottom-xsmall%22%2C%22offer_id%22%3A%2217236%22%2C%22niche_code%22%3A%22UKFSA-CUR%22%2C%22product_id%22%3A%22bcc35860-f6d9-4e08-8c7a-80e7f67645ee%22%2C%22product_name%22%3A%22Santander%2BEdge%2BStudent%2BCurrent%2BAccount%22%2C%22provider_id%22%3A%2283cae5b3-dd0d-43c0-9732-d62cdaf18112%22%2C%22provider_name%22%3A%22Santander%22%2C%22post_id%22%3A%2221085%22%2C%22post_path%22%3A%22current-accounts%252Fstudent-bank-accounts%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A543031%2C%22name%22%3A%22ukfin_best_hero%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--fluid has-margin-bottom-xsmall\">Go to site<\/a>\n<a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\/santander-student-current-accounts\">Read review<\/a><\/div><\/div><\/div><\/div><\/article><\/div><h3 class=\"luna-sectionTitle has-padding-top-medium\" id=\"best\">Best student bank account for overdraft size<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-36495b32e2fa4a21886b67ccdd9a879a\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5f6ae8276b30e.png\" width=\"140\" height=\"88\" alt=\"NatWest Student Account\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f6ae8276b30e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f6ae8276b30e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f6ae8276b30e.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nNatWest Student Account<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30.01<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\/natwest-student-current-accounts\">Read review<\/a><\/div><p>Sign up to the NatWest student account and pay no monthly fees. You\u2019ll also benefit from an interest-free overdraft, which is arguably one of the most competitive as it can be increased from year 3 onwards. The account can be managed online with the NatWest mobile app or online banking service. NatWest often has an account opening incentive.<\/p>\n\n\n\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Interest-free overdraft;<\/li><li>Account opening incentives;<\/li><li>Emergency cash withdrawals if you don\u2019t have your card.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>This account is not available to international students;<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30.01<\/td><\/tr><tr><th>Minimum operating balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30.01<\/td><\/tr><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">Yes<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">2.75% <span class=\"table-popover\" rel=\"popover\" data-content=\"A currency fee of 2.75% applies to debit card transactions in a foreign currency outside the UK. \" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30.01<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\/natwest-student-current-accounts\">Read review<\/a><\/div><\/div><\/div><\/div><\/article><\/div><h3 id=\"readmore\">How to find the best student bank account<\/h3><p>Times can be tough financially when you\u2019re a full-time student. In many cases you won\u2019t have time to work a full-time job, but you still need to fund your living expenses.<\/p><p>Thankfully, most of the major banks have created student bank accounts to help ease your financial worries during your studies.<\/p><p>These accounts usually come with a <strong>large interest-free overdraft<\/strong> that you can borrow from when the purse strings become particularly tight. This is arguably the most useful aspect of a student bank account, especially if your student loan isn\u2019t enough to cover your cost of living during your studies.<\/p><p>It\u2019s important to remember that interest will be charged on all student account overdrafts eventually, so it\u2019s best to use it sparingly and repay it as quickly as possible.<\/p><p>Many banks also add <strong>freebies<\/strong> or <strong>discounts with retailers<\/strong> in order to tempt students to their accounts. If you\u2019re a student with a bit of money to spend, these accounts might prove more eye-catching than those with huge overdrafts.<\/p><p>Ultimately, the best student account will depend on your personal financial situation. But it\u2019s worth totting up what the freebies are actually worth \u2013 you may get that same amount in free cash from another bank. <\/p><div class=\"eeQuote box u-rounded--lg source-external type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                        <img decoding=\"async\" alt=\"Ben Duffy's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/08\/ben_duffy_case_study.jpg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" loading=\"lazy\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/08\/ben_duffy_case_study.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/08\/ben_duffy_case_study.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/08\/ben_duffy_case_study.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\">\n                <\/figure>\n\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Case study: Ben, 19, stayed with Nationwide for his student account<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"I looked at a range of student accounts and I chose Nationwide for several reasons. It was offering \u00a3100 which looked similar to other student account offers. What swayed me was that I was already a customer and I had got \u00a3100 in the Fairer Share scheme so I was quite happy with staying as a Nationwide customer.<\/p><p><strong>If there\u2019s one thing you\u2019d tell a friend who\u2019s thinking of getting this, what would it be?<\/strong><\/p><p>If you plan to travel, check whether your student account charges fees for spending abroad \u2013 some of them do (Nationwide doesn\u2019t). If yours does, you can always get another account that you use just for going abroad, like Starling or Revolut.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <div class=\"eeQuote__authorName\">\n                        Ben Duffy\n                                            <\/div>\n                                                    <div class=\"eeQuote__authorTitle\">London<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h3>How are student bank accounts different from regular current accounts?<\/h3><p>Student bank accounts are, by all means, full current accounts and not very different from non-student accounts: they do all you can expect, from providing you with a debit card to letting you set up standing orders and direct debits.<\/p><p>However, they\u2019re tailored to your student life, offering great benefits and freebies. Unlike standard accounts, most student accounts also offer a 0% overdraft.<\/p><p>Banks are generous with these accounts because in most cases your student account will be your very first bank account, so they use it as a way to attract new customers that they hope to keep for life.<\/p><h3>What is required to apply?<\/h3><p>To apply for a student bank account, you\u2019ll need to provide the same personal details as when applying for a regular bank account. Your proof of ID, basic financial details, address history and a credit check, etc.<\/p><p>You\u2019ll also need to provide details of the course you\u2019re studying to prove you\u2019re a student. You\u2019ll usually have to provide your UCAS number, as well as the name and length of your course, plus your university name.<\/p><h3>Student bank account overdrafts<\/h3><p>One of the core features of student bank accounts is the 0% overdraft. It means that you can spend more than you have in your account without being charged any interest, which is great because a student\u2019s income is not always as constant as, say, an employee\u2019s salary.<\/p><p>You\u2019ll be credit-checked when you apply for it, but don\u2019t worry too much \u2013 as a student, banks won\u2019t expect you to have a massive credit history anyway.<\/p><p>The limit of your student account overdraft will usually increase for each year of university; by the third year, it can be pretty high, sometimes up to \u00a33,000. You\u2019ll need to request the increase though.<\/p><p>As we said, overdrafts are great and mean you can get extra money for your living expenses or to spend on a special occasion, but don\u2019t forget that you\u2019re still borrowing money and will have to pay it back at some point.<\/p><p>For students requiring further credit or looking to start building a positive credit history, most banks can also offer student bank account holders a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/student-credit-cards\">student credit card<\/a> (subject to approval).<\/p><h3>Student bank account freebies<\/h3><p>Even if you\u2019re not planning on touching your overdraft (wise resolution!), student accounts can offer a variety of other benefits to choose from. Here are some examples:<\/p><ul><li><strong>Interest on your balance.<\/strong> Up to a certain balance limit. Great if you think you\u2019ll be able to stay in credit most of the time.<\/li><li><strong>Transport discounts.<\/strong> Some accounts come with a free 16-25 railcard, which would normally cost you \u00a330 a year and features a 1\/3 discount on all rail fares in the UK. <\/li><li><strong>Cash upfront.<\/strong> A sort of sign-up bonus to lure you in. Cash isn\u2019t an especially fancy reward, but it could be better value if you don\u2019t think you\u2019ll take that much advantage of the other benefits on offer.<\/li><li><strong>Discounts and cashback.<\/strong> Some accounts offer dedicated discounts at certain retailers or restaurants, or cashback options.<\/li><\/ul><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>When you graduate, some student accounts automatically become graduate accounts and continue to offer a 0% overdraft. If yours doesn\u2019t, you might be able to switch to another provider and still get a 0% overdraft. Use this time to pay back the debt you\u2019ve racked up during your student years.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rachel Wait, Finder money expert<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>4 money-saving tips for students<\/h3><ul><li><strong>Budget well and you might not need an overdraft!<\/strong> Going to uni is all about learning new things and gaining life experience. Why not get a head start and get into some good money habits from your first term? There are a <a href=\"https:\/\/www.finder.com\/uk\/budgeting\/best-budgeting-app\">range of budgeting apps<\/a> to help you with this.<\/li><li><strong>If you need to go for an overdraft, makes sure it\u2019s 0% interest. <\/strong>Like we\u2019ve said above, it\u2019s best practice to avoid the overdraft. But\u2026 a few big nights out in a row and it\u2019s easy to find yourself there. If this sounds like you (let\u2019s be honest, it might), you want to make sure you\u2019re paying 0% on your overdraft. The interest-free overdrafts that come with student accounts mean this is one of the few times in your life you\u2019ll be able to take advantage of interest-free borrowing.<\/li><li><strong>Don\u2019t go over the overdraft limit.<\/strong> You might have a nice big 0% overdraft, but don\u2019t exceed the limit on that. Banks will start charging you for every day you\u2019re over the limit, so watch out!<\/li><li><strong>Switch to a <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\/graduate-bank-accounts\">graduate account<\/a> when you\u2019ve graduated.<\/strong> You should aim to pay off your student overdraft ASAP. When you\u2019ve finished uni, switch to a graduate account with good rates and terms that will allow you to pay off the debt.<\/li><\/ul><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Student bank account jargon explained<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <strong>Funding requirement.<\/strong> Some accounts require the account holder to pay in at least a specified minimum amount each month, academic term or year.<br><strong>AER.<\/strong> Annual equivalent rate. This is a way of showing the interest you\u2019d earn in a year on money you deposited into an account, and helps you to compare accounts.<br><strong>EAR.<\/strong> Effective annual rate. This is the interest rate that applies when you borrow money \u2013 when you use your arranged overdraft, for example. It shows the interest you would be charged over a year if your account were to remain overdrawn.<br><strong>Arranged overdraft.<\/strong> If your account goes into the red, the bank will charge you a set EAR (which may be 0% in the case of a student account overdraft). Before you go overdrawn, you need to arrange this facility with your bank.\n        <\/div>\n    <\/div>\n<\/div>\n<h3>How to find the best student bank account if you are an international student<\/h3><p>International students are afforded fewer perks with their student bank accounts. It will be difficult for them to be approved for an overdraft too. A lot of international student accounts come with a monthly fee as well.<\/p><p>Some banks don\u2019t offer specialised student bank accounts for international students. Those that do have a separate page on their websites illustrating the perks available and the monthly fee attached.<\/p><p>As there are so few perks available, international students would be well advised to choose the account with the lowest monthly fee.<\/p><p>However, some students may be more drawn to the accounts that offer lower international transfer fees, or those that don\u2019t require you to visit a branch to open an account. Visit our guide on <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\/student-accounts-for-international-students\">opening a bank account as an international student<\/a> for more information.<\/p><h3>Pros and cons of student bank accounts<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Pros<\/h4><ul class=\"list-4\"><li>Large 0% overdrafts available.<\/li><li>Lots of perks on offer for signing up.<\/li><li>Often available to students on a variety of course formats (not just a three-year undergraduate degree).<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Cons<\/h4><ul class=\"list-13\"><li>International students have a smaller choice of accounts that also come with less perks.<\/li><\/ul><\/div><\/div><h3>Bottom line<\/h3><p>Choosing a student bank account can be a difficult decision as there are a lot of different accounts to choose from, that all come with different sized overdrafts and perks. Hopefully this guide has made it easier to find the best account for your specific needs, and you can use our table at the top of the page to compare student bank accounts side by side.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can I have two student bank accounts?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It isn\u2019t illegal, but many student accounts state in their terms and conditions that you can\u2019t have any other student accounts open when you apply. You could try anyway, but your application could be refused or your account could theoretically be closed if you\u2019re later found in breach of the T&amp;Cs.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">What do I need to apply for a student bank account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You\u2019ll usually need an unconditional offer from your university, plus a proof of ID and address.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can I switch to a student bank account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can. Thanks to the CASS (Current Account Switch Service), it\u2019ll be handled automatically by your bank and won\u2019t take more than seven working days. It could be a good idea if for some reason you already have a standard bank account, but are now heading to university and want to take advantage of the benefits. You can also do it later on, but be aware that many banks only offer their best deals to first-year students.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">What happens when I graduate?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It depends on the bank. Many automatically turn your student bank account into a <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\/graduate-bank-accounts\">graduate bank account<\/a> that gives you extra time to pay off your overdraft. The best student account may not translate into the best graduate account, so you should compare options again and switch if you see anything better.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Should you get a UK student bank account as an international student?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>International students usually won\u2019t be gifted the perks or overdrafts that UK students will get. However, it will still prove to be more convenient and cost-effective for international students to have a UK bank account \u2013 and an international student account is likely to be the easiest for them to apply for.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">Can you change a current account to a student account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, most banks will allow this.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">Which student current accounts offer a 16-25 railcard?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>At the time of writing, Santander is the only bank that offers a 16-25 railcard as a perk.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h3 id=\"research\">Research: Living costs for students on a year abroad<\/h3><ul><li>80% of the 20 most popular study abroad destinations are more affordable than the UK, where monthly living costs are \u00a31,394 for a student.<\/li><li>Mainland China is at the top of the leaderboard for most affordable countries, with living costs 56% cheaper than the UK.<\/li><li>Living costs in Hong Kong* (a region within China) are much more expensive, 44% higher compared to the UK.<\/li><\/ul><p>Below, you can see the most popular study abroad destinations, ranked from most to least affordable based on overall living costs.<\/p><div class=\"tablefade has-margin-bottom-large\"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Ranking<\/th>\n                            <th scope=\"col\">Country<\/th>\n                            <th scope=\"col\">Total monthly costs<\/th>\n                            <th scope=\"col\">Total yearly costs<\/th>\n                            <th scope=\"col\">% difference from the UK<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>1<\/td>\n                            <td>China<\/td>\n                            <td>\u00a3612<\/td>\n                            <td>\u00a37,340<\/td>\n                            <td>-56.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2<\/td>\n                            <td>Poland<\/td>\n                            <td>\u00a3912<\/td>\n                            <td>\u00a310,946<\/td>\n                            <td>-34.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>3<\/td>\n                            <td>Spain<\/td>\n                            <td>\u00a31,019<\/td>\n                            <td>\u00a312,231<\/td>\n                            <td>-26.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>4<\/td>\n                            <td>Japan<\/td>\n                            <td>\u00a31,022<\/td>\n                            <td>\u00a312,269<\/td>\n                            <td>-26.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>5<\/td>\n                            <td>Italy<\/td>\n                            <td>\u00a31,110<\/td>\n                            <td>\u00a313,316<\/td>\n                            <td>-20.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>6<\/td>\n                            <td>Finland<\/td>\n                            <td>\u00a31,170<\/td>\n                            <td>\u00a314,035<\/td>\n                            <td>-16.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>7<\/td>\n                            <td>Sweden<\/td>\n                            <td>\u00a31,187<\/td>\n                            <td>\u00a314,248<\/td>\n                            <td>-14.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>8<\/td>\n                            <td>South Korea<\/td>\n                            <td>\u00a31,188<\/td>\n                            <td>\u00a314,255<\/td>\n                            <td>-14.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>9<\/td>\n                            <td>France<\/td>\n                            <td>\u00a31,196<\/td>\n                            <td>\u00a314,351<\/td>\n                            <td>-14.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>10<\/td>\n                            <td>New Zealand<\/td>\n                            <td>\u00a31,196<\/td>\n                            <td>\u00a314,351<\/td>\n                            <td>-14.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>11<\/td>\n                            <td>Belgium<\/td>\n                            <td>\u00a31,246<\/td>\n                            <td>\u00a314,951<\/td>\n                            <td>-10.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>12<\/td>\n                            <td>Canada<\/td>\n                            <td>\u00a31,315<\/td>\n                            <td>\u00a315,776<\/td>\n                            <td>-5.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>13<\/td>\n                            <td>Germany<\/td>\n                            <td>\u00a31,318<\/td>\n                            <td>\u00a315,813<\/td>\n                            <td>-5.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>14<\/td>\n                            <td>Austria<\/td>\n                            <td>\u00a31,344<\/td>\n                            <td>\u00a316,126<\/td>\n                            <td>-3.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>15<\/td>\n                            <td>Australia<\/td>\n                            <td>\u00a31,347<\/td>\n                            <td>\u00a316,161<\/td>\n                            <td>-3.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>16<\/td>\n                            <td>Denmark<\/td>\n                            <td>\u00a31,438<\/td>\n                            <td>\u00a317,262<\/td>\n                            <td>3.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>17<\/td>\n                            <td>Netherlands<\/td>\n                            <td>\u00a31,495<\/td>\n                            <td>\u00a317,936<\/td>\n                            <td>7.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>18<\/td>\n                            <td>United States<\/td>\n                            <td>\u00a31,588<\/td>\n                            <td>\u00a319,052<\/td>\n                            <td>13.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>19<\/td>\n                            <td>Ireland<\/td>\n                            <td>\u00a31,590<\/td>\n                            <td>\u00a319,077<\/td>\n                            <td>14.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>20<\/td>\n                            <td>Hong Kong<\/td>\n                            <td>\u00a32,011<\/td>\n                            <td>\u00a324,135<\/td>\n                            <td>44.3%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>\n\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Free railcards, perks and interest-free overdrafts &#8211; banks will do anything to make young students their customers. Use our guide to help you open the right account today.<\/p>\n","protected":false},"author":645,"featured_media":0,"parent":17073,"menu_order":0,"comment_status":"open","ping_status":"open","template":"page-nb-table-with-filters.php","meta":{"footnotes":""},"tags":[2565,3800,3795],"class_list":["post-21085","page","type-page","status-publish","hentry","tag-latest-3","tag-student-banking-and-credit","tag-student-latest-1"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best student bank account UK 2026: Free Railcard<\/title>\n<meta name=\"description\" content=\"Free railcards, perks and great overdrafts - banks will do anything to make young students their customers. Open the right account today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare student bank accounts\" \/>\n<meta property=\"og:description\" content=\"Free railcards, perks and great overdrafts - banks will do anything to make young students their customers. Open the right account today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"og:image\" content=\"https:\/\/secure.gravatar.com\/avatar\/34b989ab8b71f6a34795603b04c17694?s=200&amp;r=g&amp;d=mm\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\",\"url\":\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\",\"name\":\"Best student bank account UK 2026: Free Railcard\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts#primaryimage\"},\"thumbnailUrl\":\"https:\/\/secure.gravatar.com\/avatar\/34b989ab8b71f6a34795603b04c17694?s=200&amp;r=g&amp;d=mm\",\"datePublished\":\"2024-08-10T09:49:43+00:00\",\"dateModified\":\"2025-08-19T10:22:08+00:00\",\"description\":\"Free railcards, perks and great overdrafts - banks will do anything to make young students their customers. 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